Deone,
Maybe some people didn't really listen to what you said... You are a teacher and a coach and you CAN'T go hunting in the fall at this time in your life. I hear and respect that! I don't disagree with the advice of "hunt while you can cuz you never know what will happen to your health later", but that just isn't an option for you right now.
I am gonna make the assumption since this is in a "deer forum" that you are referring to building points for mule deer.
There are some good points about potential changes in the future,but I think you have to go at it as best as possible given what we know today.
Here is my two cents...
States you must build Mule Deer points in:
Colorado- money up front but a refund minus approx $25...great Mule deer state with good management plan and great opportunities.
Wyoming- $40 cost for pref pt. don't love their current management, but lots of pressure and concern over better mgmt plan in the future. Great genetics and hate to not have points if they ever turn things around for mule deer hunting in that state.
Utah- cheap state to build points in and they are on track to a better mgmt plan. Make sure you get points in both "general deer" and "limited entry". Can buy hunting license and work two years worth of pref/bonus pts if you play your cards right (your hunting license is good for 365 days and you only have to have a valid hunting license when you apply--and buy another if you draw)
Those are your "must build points in" states for an approx average cost of $135/year (if you work the Utah license right!).
Nevada- is a little more pricey, but I think a state worthy of building points (bonus points!) :-( But I do recommend. Will bump you up by approx $145/yr.
Arizona- I think is a waste of $$ for building points. From what I understand they don' offer many NR tags... And not cheap to build. I Don't waste my money there!
Oregon- I burned my points two years ago in that state and had a terrible hunt. They really don't manage for trophy, but rather opportunity. And, it is not cheap to build points. I would allocate this money towards that index fund (mentioned in earlier post) and use it later in life to buy a landowner voucher.
I don't think New Mexico lets you build points...?
If you live in CA you should also build points there. If you don't, then it is not worth the cost.
Of course prices will go up over time, but based on current costs, it would cost you $2700 over 20 years to build 20 points in each of the three states: CO, WY, and Utah.
And an additional $2900 (approx) for Nevada.
That seems like a cheap investment relative to current costs of landowner vouchers and the expected costs in the future!
Good luck to you and thank you for being a teacher and coach (no easy job in today's world).
Happy Holidays to all!